Purchase
Buying a home
Whether it’s your first home or your fifth, the process is the same five steps. Here’s what to expect — and what to ask us about along the way.
How the purchase process works
- Talk to us first. A quick call tells us which programs you qualify for, what your payment would look like at today’s rates, and how much house is realistic for your situation.
- Get pre-approved. You’ll have a real pre-approval letter — not a pre-qualification — to shop with. Sellers take it seriously.
- Find a house. Your realtor writes the offer. We’re on speed-dial for questions about payment, closing costs, and contingencies.
- Under contract. Appraisal, underwriting, final approval, and insurance — we handle the choreography so you don’t have to.
- Closing day. You sign, you get the keys. Our goal is a closing so smooth it feels boring.
Loan programs we offer
We’re an independent broker, which means we shop the market for you instead of pushing a single product. Common programs:
- Conventional — as little as 3% down; best for strong credit profiles
- FHA — 3.5% down; more flexible on credit and debt-to-income
- VA — 0% down for eligible veterans and active-duty service members
- USDA — 0% down in eligible rural areas
- Jumbo — for loan amounts above the conventional limit
- Down-payment assistance — Michigan-specific programs when you qualify
- Investor / DSCR loans — for rental properties, qualified on the property’s cash flow
- Bridge loans — when you’re buying before your current home sells
- Self-employed, Non-QM — when tax returns don’t tell the whole income story
First-time buyer? Start here.
If you’ve never bought a home before, the process can feel opaque. That’s where we come in. Before you put in your first offer, we’ll walk you through pre-approval, down payment options, closing costs, and what to expect at every step. No pressure, no obligation — just a real conversation.